Practical question: are you a good credit risk?

Unlike some others here, I'm not automatically against the idea of borrowing for career training. Doctors, lawyers, accountants, dentists, etc all do it. That's not to minimize the dangers - managing it poorly, guessing/betting that you'll get the job that will enable you to pay it back (I'm sure a lot of folks here can give advice on that score!), being able to keep the loan current so you don't harm your credit (which can cause all sorts of problems).

So it's not something to do without a lot of thought and perhaps even some advice on how to handle credit properly.

One practical problem, though, is availability. Especially with the current economic crisis, banks are not as free with their money as they once were. And secondary lenders can be cost-prohibitive. Another option is sites like lendingclub.com.

Good luck. But think it through very carefully and consider non-borrowing options.